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Savings Accounts

Start saving to reach your financial goals with a Georgia United Savings Account. Whether you’re building an emergency fund, saving for a family vacation or putting money aside for the holidays, we have a variety of savings options to help you meet your goals.

Start Saving Towards Your Goals

Prime Share Savings Account

Your Georgia United membership begins when you open a Prime Share savings account. If you're not already a member, you'll need to open this basic savings account to take advantage of other product offerings.

  • Open with a $5 minimum deposit and $5 one-time membership fee
  • Earn dividends on average daily balance of $100 or more
  • Includes two free withdrawals per month*
  • No monthly maintenance fee**
  • ATM Card available

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More Options to Save

Money Market Savings

Earn interest at a rate typically higher than savings accounts. Money Market features include:

  • Low minimum opening deposit of $1,000
  • Earn interest with competitive rates that increase as your funds increase
  • Write checks, make unlimited deposits and receive three free withdrawals per month*
  • No monthly maintenance fee—just maintain a $1,000 daily balance**

Certificates of Deposit


A CD is a safe and secure savings tool that grows regardless of the fluctuating market. 

  • Save with higher dividend rates
  • Save confidently with predictable rates of return
  • Save securely with funds insured by the NCUA

Individual Retirement Accounts


IRAs are great for long-term financial goals and may provide you with additional tax benefits.****

  • Traditional, Roth and Educational IRAs available
  • No minimum opening deposit

"You Name It" Savings

This customizable account is as unique as your financial goals. Tell us what you're saving for and that's what we'll name your account. 

  • Open with a $5 minimum deposit
  • Earn dividends on average daily balance of $100+
  • Includes two free withdrawals per month*

Vacation Club Savings

Save at your own pace and earn dividends while you plan your perfect getaway.

  • Earn dividends on average daily balance of $100+
  • Includes one free withdrawal per quarter*


Christmas Club Savings

Stash away some money for the holidays. The money you save is automatically deposited into your Prime Share savings account on November 1.

  • Earn dividends on average daily balance of $25+
  • Unlimited withdrawals November 1 – December 31
  • $5 fee per withdrawal outside of above time period*

*You may have no more than six (6) preauthorized, automatic, telephone, or online transfers from this account to another account of yours or to a third party in any month. You will receive two (2) free withdrawals per month, thereafter your account may be subject to a fee or be closed. A preauthorized transfer includes any arrangement made to pay a third party from your account, including ACH. For a Money Market Savings, you will receive three (3) free withdrawals per month. For a Christmas Club account, the entire balance will be transferred to another account of yours on or after November 1 and the account will remain open. For Christmas Club accounts, there will be a fee for withdrawals made January 1 - October 31. For Vacation Club accounts, one (1) free withdrawal is allowed per quarter, thereafter a fee for each withdrawal.
**Account must be kept active with a $5 minimum balance to avoid service charges. For a Money Market Savings, account must maintain an average daily balance of $1,000 to avoid service charges; otherwise $5.00 fee per month. See Georgia United's Fee Schedule for more details.

 ***APY = Annual Percentage Yield. Fees charged to the account could reduce the earnings on the account.

****Not intended as tax advice. Please consult a tax professional before making decisions regarding your IRA.